NO, NO, NO!! Those "deals" to settle with credit card companies are a ripoff -- and they can get you into even more trouble! Typically, they tell you to stop paying your bills and set aside the money in an account with them so they can negotiate on your behalf. But the card issuer will turn your account over to a collection agency, ruing your credit and even potentially exposing you to a garnishment of your wages! Instead, contact the National Foundation for Credit Counseling at 800-388-2227, which will connect you tot he nearest local office. You can trust them to help you deal with your situation.